Solar Financing — Solar by Esmay

Find the Right Financing for You

Whether you're purchasing or financing, we'll help you find the option that works best for your home and budget.

$0 Down Financing

Go solar with zero upfront cost and start generating clean energy for your home from day one.

Fixed-Rate Solar Loans

A predictable rate and term you can plan around — know exactly what you'll pay each month.

Cash Purchase

One upfront payment, zero ongoing costs. Own your system outright and maximize long-term savings.

Lease Options

Lease your system with predictable monthly payments and minimal upfront cost.

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How Solar Financing Works

Most customers go from application to approval in under 48 hours. Here's how it works.

Get Your Free Proposal

We assess your home and usage, then design a custom system and estimate. No cost. No obligation.

Choose Your Option

Pick the option that works: $0 down loan, low-interest loan, lease, pre-paid lease, or cash.

Fast Approval & Installation

Once approved — often within 48 hours — we schedule your install and get you generating clean energy.

Financing Questions

Are financing options available for solar?

Yes — we work with lending partners to offer financing that may suit a range of budgets. Options may include $0 down solar loans, fixed-rate loans, and cash purchase. Lease options may be available in some cases. All financing is subject to lender approval and terms vary by applicant. We'll walk you through every option during your free consultation.

What credit score do I need for a solar loan?

Credit requirements vary by lender and financing program. Different solar loan products have different minimum thresholds, and some programs are designed to serve a broader range of credit profiles. We work with multiple lending partners, so there may be options available even if your credit isn't perfect. The best way to find out is to start the conversation with our team.

Can I pay off my solar loan early?

Whether early payoff is possible — and whether prepayment penalties apply — depends on the specific terms of your loan agreement and lender. Many solar loan products allow early payoff, but terms vary. We recommend reviewing your loan agreement carefully before signing. Our team can help you understand what to look for during your consultation.

What happens to my financing if I sell my home?

It depends on your financing agreement. In many cases, a solar loan is a personal financial obligation that may need to be settled at the time of sale — though in some cases it may be transferable to the buyer. We recommend discussing this with your lender and real estate agent well in advance of any sale so there are no surprises.

What is a solar battery and is it worth it?

A solar battery stores excess electricity your solar panels generate so you can use it later, including at night or during a power outage. At Solar by Esmay, we typically recommend adding battery storage because it provides backup power, increases energy independence, and lets you use more of the clean energy your system produces. We'll help you choose the right battery solution based on your home's energy needs and goals.

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Solar Financing Made Simple